This sort of marketing is indicative of legacy thinking. There’s nothing new nor imaginative here. It’s basically a company throwing money at trying to shape user behaviour, ie get people to use their Starling cards.
Perhaps when Monzo comes to do cashback on purchases, it won’t need me to think. No sign ups, no hoops through which to jump. Just spend and get cashback. Easy.
guess the funeral expenses are out of the window then for cashback on black friday 
“organisations that offer financial services or insurance, gambling services, companies offering short-term loans, adult entertaining or merchandising services, internet drugs stores, funeral services and crematoriums and organisations connected with the military, politics, religion, or charitable or social services”
You were dieing to say that. 
and its an offer open until 12th Nov, so hurry hurry hurry to sign up your extra customers - sorry all these caveats are why Im not great with Starling, they offer things which on initial thoughts are - hey great 10% cashback if I spend between then and then - then on closer inspection really shouldn’t be taken at face value
it was a sure bet gambling sites would be excluded too
But if you’ve already got some shit you want to buy this might be an opportunity to buy £250 of it for £225, no?
That’s horrible. I only signed up to Starling the other week but this really makes me dislike them!
as I said its all a bit meh legacy with their caveats - I read you need to be this to be eligible for the "offer’
“Eligibility Criteria” means at the relevant time you are or become any of a Dormant Customer, a New Customer,
a Referred Customer or a Referring Customer.
in my mind the (edit ***) offer doesnt include any existing customer who hasn’t referred anybody ??? who knows - can be bothered reading it much further to find out what I need to do to get up to £25 if I refer a new customer between 6-12Nov who tops up £50 before sign up time runs out etc etc etc …meh
It’s pretty straight forward to me… But anyway…
Just in case…here’s my referral…come on…my.kid wants a tablet!
£25 won’t be enough for a tablet you might wanna read T&C again
I think u might want to. Its one referral, not five for a start. Second, £25 off a £300 tablet…of which I’ll already get another 20% off using a promo code is fine for me. 
…that depends on the person signing up to top up £50 or more to their account in order for you both to qualify. I suspect many people referring may be left disappointed if people signing up don’t live up to their requirement for the deal to work.
It’s just a legacy bank move.
They are disguising the fact that they are willing and wanting to buy customers at up to £25/user, and selling it as a generous offer for the user.
It really speaks volumes about an the intrinsic value people see with Monzo and obviously do not with Starling. As plenty of people have pointed out before, Starling have a wider product offering; having released a full current account product, but this is not causing them to grow. On the other hand, Monzo has this huge network effect: spreading by word of mouth, requiring very little (and next to no, paid user aquisition). Starling do not share this success, and are quite clearly desperately trying to grow - that much so, that they’re willing to pay up to £25/user in this legacy bank tactic.
I personally feel Starling’s strategy is very wrong. I feel like they are playing short term, not long term. Cowboy coding, marketing focused, with the product quality lacking. I have seen a number of posts and reviews recently describing bugs that have caused users outrage, for example direct debit failures. But hey! At least the engineering team has released a cashback product (if you send your friends their way).
From the TCB offer page, it says:
If you signed up for your account before the 1st of November but haven’t yet funded it, you’ll just need to add a minimum of £50 before Black Friday to qualify for the offer – no referral necessary.
I read that as saying, if you signed up and topped up your account before 1st November, you’re not eligible for this offer unless you refer someone who, in turn, tops up £50.
I am finding this offer of theirs to be somewhat opaque.
so have you referred a new customer who has topped up with £50 between 6th and 12th of November Lawrence ?
“Referring Customer” means a Customer who has either (a) funded their Starling Account prior to Black Friday
and who uses the Invite to Starling feature (being a referral code) in relation to a person who becomes a Referred
Customer; or (b) used all 5 of their Invite to Starling referral codes prior to the Sign Up Period.
I will attempt option a) …hence posting the referral.
hopefully they will top up with their £50 then between 6th and black friday
“Referred Customer” means a person who uses a promotional code provided to them by a Customer, is approved for a Starling Account during or after the Sign Up Period
and prior to Black Friday and who funds their Starling
Account by not less than £50 at any time prior to Black Friday.
I really don’t see the the difficulty in this. Its like answering questions the first time I showed my dad an iPad. I guess people see things differently than others. Life.
but if they don’t fulfil the conditions in the terms and conditions why would you expect the “cash back” ?
Provided the person whom you refer tops up with at least £50, you should be alright. If they don’t, it looks like you won’t get any cashback but you won’t necessarily know they’ve not topped up.
Good luck.